Big 3 Critical Illness Insurance Contract

This Big 3 Critical Illness insurance contract is issued by FWD Singapore Pte. Ltd. (the “Company”) who will pay the benefits of this Policy, subject to the terms and conditions set out in this Policy.

FWD Singapore Pte. Ltd. v1.0 6 Temasek Boulevard, # 18-01 Suntec Tower 4, Singapore 038986. T: (65) 6820 8888. Company Registration No. 200501737H | www.fwd.com.sg Copyright © 2018 FWD Singapore Pte. Ltd. All Rights Reserved.

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1. About your policy document 3

What makes up your policy 3

2. Your policy benefits 4 Big 3 benefit 4 Death benefit 4

3. When benefits are not payable 4 General exclusions 5 Waiting period 5

4. Making a claim 5

5. Premiums 6 Benefits not provided by your policy 6

6. Renewal 7 Renewing your policy coverage 7

7. Termination of your policy 7 Free-look period 8 Reinstatement 8

8. Customer care 8 If you have a question or problem with your policy 8

Mediation and arbitration 9

9. Your policy protection scheme 10

10. Information about your policy 10 Governing law and currency 10 When insurance cover begins and end 10 Basis for offering this policy 10 Inaccurate information 11 Third parties 11

11. Important words and phrases 12

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1. About your policy document

When it comes to insurance, we are simple, direct and reliable. We want to make it easy for You to understand Your benefits and what You are covered for. We’ve put explanations of words and phrases in bold for You to refer to in section 11, set out on page 12. All other capitalized words in bold are defined under the relevant section.

We also highlight important information like this. Read carefully.

WHAT MAKES UP YOUR POLICY Your Policy is made up of the documents listed below as proof of an insurance contract between the Policyholder and Us. We will provide them to You in electronic form:

• This document.

• Your Policy Schedule.

• Your Policy Illustration.

• Your Application Form.

• Any endorsement to Your Policy.

Please read carefully all of the information provided in this Policy to make sure You fully understand Your benefits, their limits, and Our mutual responsibilities towards this Policy. If You ask Us to make any changes to Your Policy, or send Us any more information, that requested change or additional information will also become part of Your Policy when We approve it.

A policy endorsement is the document We provide that records any official change to Your Policy.

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2. Your policy benefits

Big 3 BENEFIT If during the time this Policy is in force and after the Waiting Period: • You experience symptoms that may be related to Cancer,

Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit and

• a Medical Practitioner subsequently confirms that You suffer from Cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit.

We will pay the Big 3 Benefit equal to the sum insured or total premium paid, whichever is higher, stated in the Policy Illustration.

DEATH BENEFIT

If You die while this Policy is in force, We will pay the Death Benefit equal to the sum insured stated in the Policy Schedule.

3. When benefits are not payable

This section outlines scenarios that this Policy does not cover. If We refuse a claim because of one or more of the below scenarios or as a result of a breach of this Policy, and You disagree with Our decision, You are responsible for proving that We are legally responsible for that claim. Our payment of a claim will not affect Our ability to refuse a subsequent claim under any of the other scenarios.

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GENERAL EXCLUSIONS

We will not pay the Big 3 Benefit for claims that are directly or indirectly caused by, or result from a Pre-Existing Condition. “Pre-existing Condition” refers to a medical condition that has one or more of the following characteristics on or prior to the Policy Issue Date:

• presented signs or symptoms which You were aware of or

should reasonably have been aware;

• treatment was recommended or received from a Medical Practitioner for the medical condition; or

• You have undergone medical tests or investigations.

WAITING PERIOD

If You experience first symptoms of Cancer, Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit within the first 90 days from the Policy Issue Date or date of Endorsement, whichever is later, We will not pay the Big 3 Benefit.

4. Making a claim

You or Your legal representative will need to notify Us within 90 days of the date of death or diagnosis of Cancer or experience Heart Attack of Specified Severity or Stroke with Permanent Neurological Deficit to make a claim under this Policy.

In the event that We were notified after 90 days, We will not reject or lessen the claim amount if We are convinced that:

• It was not possible to notify Us within 90 days

• Notification was made as soon as reasonably possible.

You or Your legal representative are legally responsible for all costs incurred including travel, accommodation and other costs in

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providing Us the necessary documents We request in order to assess Your claim, except for

the cost of any additional medical examinations We require You to have as requested by Our appointed Medical Practitioner. The opinion and diagnosis of this Medical Practitioner is binding on You and Us. We will deduct any monies You owe us on Your Policy before we pay any claim.

Please contact Us to claim for a benefit provided by this Policy. Call +65 6820 8888, email contact.sg@fwd.com or visit

www.fwd.com.sg to access Our claims portal.

BENEFITS NOT PROVIDED BY YOUR POLICY

Other than the Death Benefit or Big 3 Benefit, no other benefits will be paid by this Policy – including the situation where You cancel this Policy before the coverage end date as shown on the Policy Schedule.

5. Premiums

To enjoy the benefits provided by this Policy: Please pay each Premium before it is due. You have a grace period of 62 days for each Premium payable. This Policy will be terminated automatically if We do not receive the Premium in full within the grace period. Any amount due to Us under this Policy will be deducted from any benefit that becomes payable within the grace period. The Premiums that You pay for this Policy is guaranteed during the Period of Insurance. However, at the Policy renewal date, We reserve the rights to adjust subsequent Premium(s) which may differ from the illustration in Your Policy Illustration. We will let You know 30 days in advance if Your subsequent Premiums are revised.

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6. Renewal

RENEWING YOUR POLICY COVERAGE This Policy is an annual contract. We will automatically renew this Policy by one more year, until You are 85 years old, if this Policy is valid at the end of the Period of Insurance.

The Premium We charge You for the subsequent year(s) will be the same as the Premium that We charge people who have the same age, gender, sum insured and smoking status as Yourself on the day this Policy is renewed. We will not take into account any changes in Your health, but any conditions We imposed when We first issued this Policy will apply to Your Policy. You can choose not to renew by writing to Us 30 days before the end of the Period of Insurance.

7. Termination of your policy This Policy will be terminated automatically at the first instance of any of the following: • When We have paid the Big 3 Benefit or Death Benefit in full

under this Policy; • This Policy has reached the coverage end date and is not

renewed; • We do not receive the Premium within the 62-day grace period; • When We receive Your notice in writing to terminate Your

Policy; or • Any other event that leads to termination as stated in this Policy

such as providing inaccurate information, submitting a fraudulent claim, or if We are required to do so under the laws or regulations of Singapore.

If You choose to terminate Your Policy early and You have paid Your Premiums, Your Policy will continue to provide coverage up to the next date on which Your Premium is due.

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FREE-LOOK PERIOD

You have 14 calendar days to review this Policy and decide if it is suitable for Your needs. If You find that this Policy is unsuitable, You may write in to Us within 14 calendar days after You receive it and We will refund any Premium paid. We consider this Policy delivered from the time We email it to You.

REINSTATEMENT

This Policy cannot be reinstated if it was terminated because Premiums were not paid. If You wish to continue to receive coverage, You may purchase a new Policy.

8. Customer care

IF YOU HAVE A QUESTION OR PROBLEM WITH YOUR POLICY

Please contact Us:

+65 6820 8888 or www.fwd.com.sg

We aim to give You the best service. However, if You are not pleased with how Your claim was handled, please let Us know. Here are Your options and how We will respond to Your concerns:

• We will acknowledge receipt of Your feedback within three working days while We look into the matter.

• We may contact You for further information within seven working days.

• We will provide You with a full reply within 14 working days.

• If You are not satisfied with how Your feedback was handled, You can write to:

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The Chief Executive Officer (CEO) FWD Singapore Pte. Ltd. 6 Temasek Boulevard, #18-01 Suntec Tower Four, Singapore 038986

We will respond to Your letter within three working days of receipt of Your letter to the CEO.

If We cannot reach a mutually acceptable agreement, You may approach the Financial Industry Disputes Resolution Centre (FIDReC), an independent dispute resolution centre for resolution of disputes involving financial institutions and consumers. FIDReC’s address is:

Financial Industry Disputes Resolution Centre Ltd 36 Robinson Road, #15-01 City House, Singapore 068877 Tel: +65 6327 8878 Fax: +65 6327 8488, +65 6327 1089 Email: info@fidrec.com.sg | web: www.fidrec.com.sg

Please remember to quote Your policy number in any communication with Us or with FIDReC.

MEDIATION AND ARBITRATION

Any unresolved dispute must first be referred to FIDReC as above. If the sum involved in the dispute is outside the jurisdiction of FIDReC, You and Us agree to resolve the dispute through mediation via the Singapore Mediation Centre in accordance with their mediation rules. If You agree to take part in the mediation, both You and Us will participate in good faith and agree to adhere to the terms of any settlement reached.

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If You choose to not participate in mediation or if mediation fails, the dispute will be referred to and finally resolved by arbitration in Singapore according to the Arbitration Rules of the Singapore International Arbitration Centre that apply at that point in time.

9. Your policy protection scheme

This Policy is protected under the Policy Owners’ Protection Scheme (the Scheme) which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage of this Policy under the Scheme is automatic and no further action is needed from You. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

10. Information about your policy

GOVERNING LAW AND CURRENCY This Policy is governed by the Republic of Singapore’s laws. All amounts payable by You or from Us in relation to this Policy will be in Singapore dollars.

WHEN INSURANCE COVER BEGINS AND ENDS This is a one year Policy, providing insurance cover for the Period of Insurance. This Policy starts on the coverage start date as shown on the Policy Schedule or the date We receive the first Premium, whichever is later. In the absence of any changes to Your health, at the end of the Period of Insurance, Your Policy will automatically renew for one more year at the prevailing terms and conditions.

BASIS FOR OFFERING THIS POLICY

We have used the information You provided in the Application Form and other documents that You have submitted to determine whether to offer this Policy.

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The Law as per Section 25(5) of the Insurance Act requires that We inform You of Your duty to fully and faithfully tell Us everything You know or could reasonably be expected to know that is relevant to Our decision to insure You. Otherwise, We have the right to either decline Your claims or terminate this Policy and treat it as never having existed. In the event that We decide to maintain Your cover, We may charge an additional Premium. If Your age, gender or smoker status shown in the Application Form is incorrect, We may adjust the Premium after taking into account Your accurate information.

INACCURATE INFORMATION If any information You provided in the Application Form or prior to renewal of Your Policy is incorrect and if, based on the correct information, We would not have offered this Policy, We may cancel this Policy and treat it as never having existed within two years of the Policy Issue Date.

In such situations, We will refund any Premium paid without interest less of any expenses we may have incurred. In case of fraud or if We are required to do so under the laws or regulations of Singapore, We may cancel this Policy at any time.

Change in residential address: You must inform Us within 60 days if You change Your residential address.

THIRD PARTIES You may assign Your benefits under this Policy to another person. Please note that You will have to notify us of the assignment in writing in order for us to be bound by it. We are not responsible for checking the validity of the assignment. In accordance with the Contracts (Rights of Third Parties) Act (Chapter 53B), only parties directly involved in this Policy can enforce its terms.

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11. Important words and phrases

Application Form refers to the information You or the insured person (or both) provided to Us when applying for this Policy. Our decision to issue this Policy is based on the information provided by You in the Application Form.

Cancer means a malignant tumour characterised by the

uncontrolled growth of malignant cells and the invasion of tissue. It includes carcinoma-in-situ, a focal autonomous new growth of carcinomatous cells which have not yet infiltrated normal tissue beyond the epithelial basement membrane. The malignant tumour must be investigated and diagnosed with support by a histopathological biopsy report and confirmed by a Medical Practitioner.

For carcinoma-in-situ of cervix uteri, it must be

at a grading of CIN III.

We do not cover all neoplasms or tumours which are classified as pre-malignant, having borderline malignancy, having any degree of malignant potential, having suspicious malignancy or of uncertain or unknown behaviour.

Endorsement is any additional document attached to this

Policy outlining adjustments to the standard terms and conditions that We have made as a condition to providing this Policy.

Heart Attack of means the Death of heart muscle due to Specified Severity ischaemia, that is evident by at least three of the

following criteria proving the occurrence of a new heart attack:

• History of typical chest pain;

• New characteristic electrocardiographic changes; with the development of any of the following: ST elevation or depression, T wave inversion, pathological Q waves or left bundle branch block;

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• Elevation of the cardiac biomarkers, inclusive of CKMB above the generally accepted normal laboratory levels or Cardiac Troponin T or I at 0.5ng/ml and above;

• Imaging evidence of new loss of viable myocardium or new regional wall motion abnormality. The imaging must be done by Cardiologist specified by the Company. For the above definition, the following are excluded:

• Angina

• Heart attack of indeterminate age; and

• A rise in cardiac biomarkers or Troponin T or I following an intra-arterial cardiac procedure including, but not limited to, coronary angiography and coronary angioplasty.

Explanatory note: 0.5ng/ml = 0.5ug/L = 500pg/ml

Medical Practitioner refers to a medical examiner or doctor who:

• has a recognised medical degree in western medicine;

• is authorised to practise in his country; and

• has the skill to provide medical services for the illness, disease or condition concerned; or

• is in Singapore and is approved by Us.

This person must not be You or Your husband or wife, relative or business partner.

Period of Insurance refers to the period of time between the

coverage start date and coverage end date (both inclusive) as shown on the Policy Schedule.

Policy includes:

• the Application Form;

• this document;

• the Policy Illustration

• the Policy Schedule; and

• the Endorsements (if any).

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Policy Issue Date refers to the date as shown in the Policy Schedule.

Premium refers to the scheduled premium payable for

this Policy as shown in the Policy Schedule or Endorsement.

Policy Illustration refers to the document attached to this Policy provided when You bought this Policy. It provides a summary of this product, its benefits, and the Premiums that You will need to pay.

Policy Schedule refers to the document attached to this Policy

that shows important information about You and this Policy: the policy number, Your personal details, Period of Insurance, sum insured, frequency of premium payment, and premium payable.

Stroke with means a cerebrovascular incident including Permanent infarction of brain tissue, cerebral and Neurological Deficit subarachnoid haemorrhage, intracerebral

embolism and cerebral thrombosis resulting in permanent neurological deficit. This diagnosis must be supported by all of the following conditions:

• Evidence of permanent clinical neurological deficit confirmed by a neurologist at least 6 weeks after the event; and

• Findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques consistent with the diagnosis of a new stroke.

The following are excluded:

• Transient Ischaemic Attack;

• Brain damage due to an accident or injury, infection, vasculitis, and inflammatory

disease;

• Vascular disease affecting the eye or optic

nerve;

• Ischaemic disorder of the vestibular system; and

• Secondary haemorrhage within a pre-existing cerebral lesion.

We, Our, FWD, Us refers to FWD Singapore Pte. Ltd., the issuer of

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this insurance Policy. You, Your, Yourself, refers to the person who is the owner of and Policyholder insured by this Policy as shown on the Policy Schedule or Endorsement.

Heart and Neurological Disorder Supplementary Plan

This Heart and Neurological disorder Supplementary Plan is issued by FWD Singapore Pte. Ltd.

FWD Singapore Pte. Ltd. v1.0 6 Temasek Boulevard, # 18-01 Suntec Tower 4, Singapore 038986. T: (65) 6820 8888. Company Registration No. 200501737H | www.fwd.com.sg Copyright © 2018 FWD Singapore Pte. Ltd. All Rights Reserve

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Heart and Neurological Disorder Benefit Provided By This Supplementary Plan

The terms and conditions of the Big 3 Critical Illness Insurance Contract apply to this Supplementary Plan, unless stated otherwise.

HEART AND NEUROLOGICAL DISORDER BENEFIT If during the time this Policy is in force and after the Waiting Period: • You experience symptoms that may be related to Heart and

Neurological Disorder; and

• a Medical Practitioner subsequently confirms that You suffer from Heart and Neurological Disorder,

We will pay 100% acceleration on the sum insured of the Big 3 Benefit or total premiums paid, whichever is higher.

Within this Policy, “Heart and Neurological Disorder” refers to any of the illnesses defined below. Unless noted in an Endorsement, this Supplementary Plan commences on the Coverage Start Date of this Policy.

AMYOTROPHIC LATERAL SCLEROSIS

Unequivocal Diagnosis by a Medical Practitioner who is a neurologist confirming well defined neurological deficit with persistent signs of involvement of the spinal nerve columns and the motor centres in the brain and with spastic weakness and atrophy of the muscles of the extremities. Claims shall only be admitted if the condition is confirmed by a Medical Practitioner who is a neurologist as progressive and resulting in irreversible damage to the nervous system.

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BACTERIAL MENINGITIS WITH FULL RECOVERY

Bacterial infection resulting in severe inflammation of the membranes of the brain or spinal cord which requires hospitalisation. This diagnosis must be confirmed by:

• The presence of bacterial infection in cerebrospinal fluid by lumbar puncture; and

• A consultant neurologist. Bacterial Meningitis in the presence of HIV infection is excluded.

BRAIN ANEURYSM SURGERY

(VIA CRANIOTOMY)

The actual undergoing of surgical repair of an intracranial aneurysm or surgical removal of an arteriovenous malformation via craniotomy. The surgical intervention must be certified to be absolutely necessary by a specialist in the relevant field.

BRAIN ANEURYSM SURGERY

(VIA ENDOVASCULAR PROCEDURE)

The actual undergoing of surgical repair of an intracranial aneurysm or

surgical removal of an arteriovenous malformation via endovascular

procedures. The surgical intervention must be certified to be absolutely

necessary by a specialist in the relevant field.

CARDIAC DEFIBRILLATOR INSERTION

Insertion of a permanent cardiac defibrillator as a result of cardiac

arrhythmia which cannot be treated via any other method. The surgical

procedure must be certified to be absolutely necessary by a specialist in

the relevant field. Cardiac defibrillator insertion in the presence of HIV

infection is excluded.

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CARDIAC PACEMAKER INSERTION

Insertion of a permanent cardiac pacemaker that is required as a result of

serious cardiac arrhythmia which cannot be treated via other means. The

insertion of the cardiac pacemaker must be certified to be absolutely

necessary by a specialist in the relevant field.

Cardiac pacemaker insertion in the presence of HIV infection is excluded.

CAROTID ARTERY SURGERY

The actual undergoing of Endarterectomy of the carotid artery which has

been necessitated as a result of at least 80% narrowing of the carotid

artery as diagnosed by an arteriography or any other appropriate

diagnostic test that is available.

Endarterectomy of blood vessels other than the carotid artery are

specifically excluded.

Percutaneous carotid angioplasty is excluded.

CAVERNOUS SINUS THROMBOSIS SURGERY

The actual undergoing of a surgical drainage for cavernous sinus thrombosis. The presence of Cavernous Sinus Thrombosis as well as the requirement for surgical intervention must be certified to be absolutely necessary by a specialist in the relevant field.

CEREBRAL SHUNT INSERTION

The actual undergoing of surgical implantation of a shunt from the

ventricles of the brain to relieve raised pressure in the cerebrospinal fluid.

The need of a shunt must be certified to be absolutely necessary by a

specialist in the relevant field.

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CORONARY ARTERY DISEASE

The narrowing of the lumen of two coronary arteries by a minimum of 60%, as proven by coronary arteriography, regardless of whether any form of coronary artery surgery has been recommended or performed. Coronary arteries herein refer to right coronary artery, left main stem, left anterior descending and left circumflex, but not their branches. Note that any non-invasive method of determining coronary artery stenosis is not acceptable.

EARLY CARDIOMYOPATHY

The unequivocal diagnosis of cardiomyopathy which has resulted in the

presence of permanent physical impairments to at least Class III of the New

York Heart Association (NYHA) classification of Cardiac Impairment.

The diagnosis must be confirmed by a specialist in the relevant field. Cardiomyopathy that is directly related to alcohol misuse is excluded. The NYHA Classification of Cardiac Impairment: Class I: No limitation of physical activity. Ordinary physical activity does not cause undue fatigue, dyspnea, or anginal pain. Class II: Slight limitation of physical activity. Ordinary physical activity results in symptoms. Class III: Marked limitation of physical activity. Comfortable at rest, but less than ordinary activity causes symptoms. Class IV: Unable to engage in any physical activity without discomfort. Symptoms may be present even at rest. Early cardiomyopathy in the presence of HIV infection is excluded.

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INCREASED PULMONARY BLOOD PRESSURE

Primary or Secondary pulmonary hypertension with established right ventricular hypertrophy leading to the presence of permanent physical impairment of at least Class III of the New York Heart Association (NYHA) Classification of Cardiac Impairment. The diagnosis must be established by cardiac catheterisation by a specialist in the relevant field.

KEYHOLE CORONARY BYPASS SURGERY OR

CORONARY ARTERY ATHERECTOMY OR MYOCARDIAL LASER REVASCULARISATION OR ENHANCED EXTERNAL COUNTER PULSATION

The actual undergoing for the first time for the correction of the narrowing or blockage of one (1) or more coronary arteries via "Keyhole" surgery, Atherectomy, Myocardial laser revascularisation or Enhanced external counterpulsation. All other surgical procedures will be excluded from this benefit.

LARGE ASYMPTOMATIC AORTIC ANEURYSM

Asymptomatic abdominal or thoracic aortic aneurysm or dissection greater than 55mm in diameter as evidenced by appropriate imaging technique, and confirmed by a specialist in the relevant field.

MINIMALLY INVASIVE SURGERY TO AORTA

The actual undergoing of surgery via minimally invasive or intra-arterial techniques to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta, as evidenced by a cardiac echocardiogram and confirmed by a specialist in the relevant field. For the purpose of this definition, aorta shall mean the thoracic and abdominal aorta but not its branches.

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PERCUTANEOUS VALVULOPLASTY, VALVOTOMY, PERCUTANEOUS VALVE REPLACEMENT OR DEVICE

REPAIR

The actual undergoing of Valvotomy or Valvuloplasty or percutaneous valve replacement necessitated by damage of the heart valve as confirmed by a specialist in the relevant field and established by a cardiac echocardiogram. The procedure should be performed totally via intravascular catheter based techniques. Any procedure on heart valves that involves opening or entering the chest by any thoracotomy incision is excluded.

PERICARDECTOMY

The undergoing of a pericardiectomy or undergoing of any surgical

procedure requiring keyhole cardiac surgery as a result of pericardial

disease. Both these surgical procedures must be certified to be absolutely

necessary by a consultant cardiologist.

Pericardiectomy in the presence of HIV infection is excluded.

POLIO INDUCED MUSCLE WEAKNESS

Unequivocal Diagnosis of infection with the poliovirus leading to paralytic disease as evidenced by impaired motor function or respiratory weakness. In respect of this definition, claims shall only be admitted if poliomyelitis causes neurological deficit resulting in paralysis in Limbs that is permanent. The Unequivocal Diagnosis must be made by a Specialist in the relevant medical field.

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PRIMARY LATERAL SCLEROSIS

A progressive degenerative disorder of the motor neurons of the cerebral cortex resulting in widespread weakness on an upper motor neuron basis. Clinically it is characterized by progressive spastic weakness of the limbs, preceded or followed by spastic dysarthria and dysphagia, indicating combined involvement of the corticospinal and corticobulbar tracts. The Unequivocal Diagnosis must be made by a neurologist and confirmed by appropriate neuromuscular testing such as electromyogram (EMG). The condition must result in the permanent inability to perform, without assistance, at least three (3) of the six (6) Activities of Daily Living. These conditions have to be medically documented for at least three (3) consecutive months.

PROGRESSIVE SUPRANUCLEAR PALSY

A degenerative neurological disease characterized by supranuclear gaze paresis, pseudobulbar palsy, axial rigidity and dementia. The Unequivocal Diagnosis of Progressive Supranuclear Palsy must be confirmed by a Medical Practitioner who is a neurologist. The condition must result in the permanent inability to perform, without assistance, at least three (3) of the six (6) Activities of Daily Living. These conditions have to be medically documented for at least three (3) consecutive months.

SEVERE PROGRESSIVE BULBAR PALSY

Neurological disorder with paralysis in the head region, difficulties in chewing and swallowing, problems in speaking, persistent signs of involvement of the spinal nerves and the motor centres in the brain and spastic weakness and atrophy of the muscles of the extremities. The disease must be Unequivocally Diagnosed by a Medical Practitioner who is a neurologist. The condition must result in the permanent inability to perform, without assistance, at least three (3) of the six (6) Activities of Daily Living. These conditions have to be medically documented for at least three (3) consecutive months.

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When Benefits Are Not Payable

This section outlines scenarios that this supplementary Plan does not cover. If We refuse a claim because of one or more of the below scenarios or as a result of a breach of this Supplementary Plan, and You disagree with Our decision, You are responsible for proving that We are legally responsible for that claim. Our payment of a claim will not affect Our ability to refuse a subsequent claim under any of the other scenarios.

GENERAL EXCLUSIONS

We will not pay the Heart and Neurological Benefit for claims that directly or indirectly caused by, or result from a Pre-Existing Condition.

WAITING PERIOD

If You experience symptoms of Heart and Neurological disorder illness within the first 90 days from the Policy Issue Date or date of Endorsement, whichever is later, We will not pay the Heart and Neurological disorder Benefit.